You will find below information regarding savings rates from the beginning of October 2025.
Our first table highlights the savings rates from what we believe to be the four key ethical savings providers in the UK:
|
|
Instant Access AER |
Notice Account |
1 Year Fixed Rate Bond |
3 Year Fixed Rate Bond |
||
|
Charity Bank |
Easy Access |
3.01% |
33 day 93 day |
2.91% 2.94% |
3.66% |
3.36% |
|
Co-operative Bank |
Online |
2.12% |
Select Access |
1.06% -3.53% |
4.09% |
3.71% |
|
Ecology Building Society |
Easy Access |
2.50% |
35 Day |
2.95% |
n/a |
n/a |
|
Triodos |
Everyday Savings |
2.40% |
|
n/a |
3.60% |
*2 Year Ethical Savings Bond 3.45% |
Our second table shows the top savings rates as determined by our source Deposit Sense:
|
Rating |
Instant |
AER |
Notice |
AER |
1 Year Fixed |
AER |
3 Year Fixed |
AER |
|
1 |
Harpenden Building Society - Online Single Access |
4.31% |
Oxbury Bank - 180 Day Notice Account |
4.55% |
OakNorth Bank - 1 Year Fixed Rate |
4.45% |
Oxbury Bank - 3 Year Fixed Rate |
4.44% |
|
2 |
Shawbrook Bank - Bonus Easy Access Account |
4.30% |
Oxbury Bank - 120 Day Notice Account |
4.54% |
Cynergy Bank - 1 Year Fixed Rate (EMO) |
4.41% |
Atom Bank - 3 Year Fixed Rate |
4.35% |
|
3 |
Family Building Society - Market Tracker Saver (www.familybuildingsociety.co.uk) Principality Building Society - Online Triple Access Account |
4.25% |
OakNorth Bank - 95 Day Notice Tracker |
4.51% |
Atom Bank - 1 Year Fixed Rate |
4.40% |
RCI Bank - 3 Year Fixed Rate Bond |
4.30% |
|
4 |
Tesco Bank - Internet Saver Account |
4.20% |
Earl Shilton Building Society - Select 180 |
4.50% |
Cynergy Bank - 1 Year Fixed Rate Tandem Bank - 1 Year Fixed Rate |
4.35% |
Tandem Bank - 3 Year Fixed Rate |
4.25% |
|
5 |
Ford Money - Flexible Saver |
4.18% |
Oxbury Bank - 60 Day Notice Account |
4.46% |
Vanquis Bank - 1 Year High Yield Bond |
4.27% |
Investec Bank - 3 Year Fixed Rate Account |
4.20% |
1. Best Buys are market leading but not subject to formal ethical screens/investment policies so are deemed neutral.
2. Rates are correct at the date of publication - 3rd of October 2025.
3. Information has been collected from Deposit Sense.
4. *Sharia compliant banks offer an Expected Profit Rate (EPR) rather than interest.
5. It is important to take professional advice before making any decision relating to your personal finances. Information within this article does not provide individual tailored investment advice and is for guidance only. We cannot assume legal liability for any errors or omissions it might contain. Ethical Futures llp is authorised and regulated by the Financial Conduct Authority.